The H-plan's cap is the P-plan rate, so with HIBOR where it is both price at 4.125% today. The H-plan is only cheaper once 1M HIBOR falls below 2.825%.
If rates change · monthly repayment
LTV
Term
▼ 0.50% · 3.625%
HK$111,859
−HK$7,014/mo
▼ 0.25% · 3.875%
HK$115,338
−HK$3,535/mo
Today · 4.125%
HK$118,873
baseline
▲ 0.50% · 4.625%
HK$126,107
+HK$7,234/mo
Deposit HK$24.53M · loan HK$24.53M · min. income ≈ HK$237,746/mo (50% DSR)
Upfront cash ≈ HK$26.61M (deposit + AVD stamp duty HK$2,084,854 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,442
−HK$6,723/mo
▼ 0.25% · 3.875%
HK$127,779
−HK$3,386/mo
Today · 4.125%
HK$131,165
baseline
▲ 0.50% · 4.625%
HK$138,079
+HK$6,914/mo
Deposit HK$24.53M · loan HK$24.53M · min. income ≈ HK$262,330/mo (50% DSR)
Upfront cash ≈ HK$26.61M (deposit + AVD stamp duty HK$2,084,854 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$134,231
−HK$8,417/mo
▼ 0.25% · 3.875%
HK$138,406
−HK$4,242/mo
Today · 4.125%
HK$142,648
baseline
▲ 0.50% · 4.625%
HK$151,328
+HK$8,680/mo
Deposit HK$19.62M · loan HK$29.43M · min. income ≈ HK$285,296/mo (50% DSR)
Upfront cash ≈ HK$21.71M (deposit + AVD stamp duty HK$2,084,854 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$149,330
−HK$8,068/mo
▼ 0.25% · 3.875%
HK$153,335
−HK$4,063/mo
Today · 4.125%
HK$157,398
baseline
▲ 0.50% · 4.625%
HK$165,695
+HK$8,297/mo
Deposit HK$19.62M · loan HK$29.43M · min. income ≈ HK$314,796/mo (50% DSR)
Upfront cash ≈ HK$21.71M (deposit + AVD stamp duty HK$2,084,854 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$156,602
−HK$9,821/mo
▼ 0.25% · 3.875%
HK$161,474
−HK$4,949/mo
Today · 4.125%
HK$166,423
baseline
▲ 0.50% · 4.625%
HK$176,549
+HK$10,126/mo
Deposit HK$14.72M · loan HK$34.34M · min. income ≈ HK$332,846/mo (50% DSR)
Upfront cash ≈ HK$16.80M (deposit + AVD stamp duty HK$2,084,854 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$174,219
−HK$9,412/mo
▼ 0.25% · 3.875%
HK$178,891
−HK$4,740/mo
Today · 4.125%
HK$183,631
baseline
▲ 0.50% · 4.625%
HK$193,310
+HK$9,679/mo
Deposit HK$14.72M · loan HK$34.34M · min. income ≈ HK$367,262/mo (50% DSR)
Upfront cash ≈ HK$16.80M (deposit + AVD stamp duty HK$2,084,854 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$201,346
−HK$12,626/mo
▼ 0.25% · 3.875%
HK$207,609
−HK$6,363/mo
Today · 4.125%
HK$213,972
baseline
▲ 0.50% · 4.625%
HK$226,992
+HK$13,020/mo
Deposit HK$4.91M · loan HK$44.15M · min. income ≈ HK$427,944/mo (50% DSR)
Upfront cash ≈ HK$6.99M (deposit + AVD stamp duty HK$2,084,854 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$223,995
−HK$12,102/mo
▼ 0.25% · 3.875%
HK$230,003
−HK$6,094/mo
Today · 4.125%
HK$236,097
baseline
▲ 0.50% · 4.625%
HK$248,542
+HK$12,445/mo
Deposit HK$4.91M · loan HK$44.15M · min. income ≈ HK$472,194/mo (50% DSR)
Upfront cash ≈ HK$6.99M (deposit + AVD stamp duty HK$2,084,854 · Scale 2, in force from 26 Feb 2026)